POI Error

What triggers it

Processing errors at the point of transaction — duplicates, amounts that differ from the authorized value, transactions already settled by another method, and ATM-related issues.

What to check first — evidence for representment

1. Duplicate processing — provide distinct order IDs and timestamps proving separate transactions, or confirm a refund was issued for the duplicate.
2. Paid by other means — provide evidence no other payment was accepted for the same order, or confirm which transaction is legitimate.
3. Amount differs from authorized amount — show authorization and capture records match; for legitimately variable amounts (tips, fuel, hotel incidentals), cite applicable Mastercard authorization rules for that merchant category.
4. Late presentment — limited defence surface, primarily an acquirer/processor-level issue; document processing timestamps to show timely presentment.
5. ATM processing error — ATM transaction log documentation; resolution typically involves acquirer or issuer rather than merchant.